Truity Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Truity Federal Credit Union 2007 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Truity Federal Credit Union 501 S Johnstone Bartlesville, OK 74003 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,020 |
| Total Mortgage Loan Application Amount | $129,202,000 |
| Average Mortgage Loan Application Amount | $100,333 |
| Highest Mortgage Loan Application Amount | $2,610,000 |
| Average Applicant Income | $81,666 |
| Highest Applicant Income | $1,136,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 with Truity Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Truity Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2007 breaks down Truity Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Truity Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Truity Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Truity Federal Credit Union's mortgage activity for 2007.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington County Oklahoma | 591 | $ 64,951,000 | $ 109,000 | $ 67,000 |
| Douglas County Kansas | 97 | $ 10,255,000 | $ 105,000 | $ 80,000 |
| Washington County Arkansas | 35 | $ 3,950,000 | $ 112,000 | $ 89,000 |
| Tulsa County Oklahoma | 24 | $ 3,200,000 | $ 133,000 | $ 93,000 |
| Harris County Texas | 16 | $ 5,861,000 | $ 366,000 | $ 198,000 |
| Fort Bend County Texas | 13 | $ 2,372,000 | $ 182,000 | $ 111,000 |
| Osage County Oklahoma | 11 | $ 1,453,000 | $ 132,000 | $ 83,000 |
| Benton County Arkansas | 10 | $ 844,000 | $ 84,000 | $ 91,000 |
| Anchorage County Alaska | 9 | $ 3,737,000 | $ 415,000 | $ 187,000 |
| Jefferson County Kansas | 9 | $ 865,000 | $ 96,000 | $ 62,000 |
| Nowata County Oklahoma | 8 | $ 525,000 | $ 65,000 | $ 49,000 |
| Johnson County Kansas | 7 | $ 1,572,000 | $ 224,000 | $ 90,000 |
| Rogers County Oklahoma | 6 | $ 526,000 | $ 87,000 | $ 72,000 |
| Montgomery County Texas | 6 | $ 1,013,000 | $ 168,000 | $ 145,000 |
| Maricopa County Arizona | 4 | $ 1,676,000 | $ 419,000 | $ 249,000 |
| San Luis Obispo County California | 4 | $ 1,089,000 | $ 272,000 | $ 165,000 |
| Montgomery County Kansas | 4 | $ 187,000 | $ 46,000 | $ 45,000 |
| Shawnee County Kansas | 4 | $ 118,000 | $ 29,000 | $ 59,000 |
| Kay County Oklahoma | 4 | $ 552,000 | $ 138,000 | $ 80,000 |
| Oklahoma County Oklahoma | 4 | $ 949,000 | $ 237,000 | $ 147,000 |
| Brazoria County Texas | 4 | $ 484,000 | $ 121,000 | $ 187,000 |
| Hutchinson County Texas | 4 | $ 308,000 | $ 77,000 | $ 78,000 |
| Delaware County Oklahoma | 3 | $ 752,000 | $ 250,000 | $ 187,000 |
| Garland County Arkansas | 2 | $ 197,000 | $ 98,000 | $ 67,000 |
| Pope County Arkansas | 2 | $ 145,000 | $ 72,000 | $ 66,000 |
| Los Angeles County California | 2 | $ 1,058,000 | $ 529,000 | $ 233,000 |
| Solano County California | 2 | $ 520,000 | $ 260,000 | $ 133,000 |
| Boulder County Colorado | 2 | $ 381,000 | $ 190,000 | $ 157,000 |
| Mesa County Colorado | 2 | $ 529,000 | $ 264,000 | $ 140,000 |
| Collier County Florida | 2 | $ 856,000 | $ 428,000 | $ 600,000 |
| Henry County Illinois | 2 | $ 77,000 | $ 38,000 | $ 77,000 |
| Black Hawk County Iowa | 2 | $ 114,000 | $ 57,000 | $ 51,000 |
| Woodbury County Iowa | 2 | $ 157,000 | $ 78,000 | $ 16,000 |
| Anderson County Kansas | 2 | $ 70,000 | $ 35,000 | $ 83,000 |
| Crawford County Kansas | 2 | $ 82,000 | $ 41,000 | $ 93,000 |
| Finney County Kansas | 2 | $ 355,000 | $ 177,000 | $ 105,000 |
| Leavenworth County Kansas | 2 | $ 269,000 | $ 134,000 | $ 38,000 |
| Daviess County Kentucky | 2 | $ 462,000 | $ 231,000 | $ 158,000 |
| Calcasieu County Louisiana | 2 | $ 203,000 | $ 101,000 | $ 102,000 |
| Barnstable County Massachusetts | 2 | $ 432,000 | $ 216,000 | $ 135,000 |
| St. Louis County Minnesota | 2 | $ 333,000 | $ 166,000 | $ 103,000 |
| Barry County Missouri | 2 | $ 221,000 | $ 110,000 | $ 69,000 |
| Jackson County Missouri | 2 | $ 273,000 | $ 136,000 | $ 72,000 |
| St. Louis County Missouri | 2 | $ 626,000 | $ 313,000 | $ 117,000 |
| Alexander County North Carolina | 2 | $ 155,000 | $ 77,000 | $ 43,000 |
| Creek County Oklahoma | 2 | $ 170,000 | $ 85,000 | $ 107,000 |
| Payne County Oklahoma | 2 | $ 312,000 | $ 156,000 | $ 90,000 |
| Pottawatomie County Oklahoma | 2 | $ 70,000 | $ 35,000 | $ 58,000 |
| Matagorda County Texas | 2 | $ 81,000 | $ 40,000 | $ 86,000 |
| Shelby County Texas | 2 | $ 300,000 | $ 150,000 | $ 66,000 |
| Fairfax County Virginia | 2 | $ 890,000 | $ 445,000 | $ 174,000 |
| Calhoun County Alabama | 1 | $ 166,000 | $ 166,000 | $ 108,000 |
| Cullman County Alabama | 1 | $ 130,000 | $ 130,000 | $ 76,000 |
| Randolph County Alabama | 1 | $ 35,000 | $ 35,000 | $ 106,000 |
| Matanuska-Susitna County Alaska | 1 | $ 16,000 | $ 16,000 | $ 137,000 |
| Carroll County Arkansas | 1 | $ 77,000 | $ 77,000 | $ 21,000 |
| Crawford County Arkansas | 1 | $ 111,000 | $ 111,000 | $ 75,000 |
| Hempstead County Arkansas | 1 | $ 133,000 | $ 133,000 | $ 70,000 |
| Howard County Arkansas | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Lincoln County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 93,000 |
| Logan County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 52,000 |
| Pike County Arkansas | 1 | $ 73,000 | $ 73,000 | $ 39,000 |
| Polk County Arkansas | 1 | $ 66,000 | $ 66,000 | $ 25,000 |
| Scott County Arkansas | 1 | $ 80,000 | $ 80,000 | $ 30,000 |
| Yell County Arkansas | 1 | $ 12,000 | $ 12,000 | $ 59,000 |
| Orange County California | 1 | $ 230,000 | $ 230,000 | $ 107,000 |
| Douglas County Colorado | 1 | $ 96,000 | $ 96,000 | $ 142,000 |
| El Paso County Colorado | 1 | $ 200,000 | $ 200,000 | $ 118,000 |
| Jefferson County Colorado | 1 | $ 50,000 | $ 50,000 | $ 267,000 |
| Teller County Colorado | 1 | $ 117,000 | $ 117,000 | $ 105,000 |
| Cobb County Georgia | 1 | $ 626,000 | $ 626,000 | $ 253,000 |
| Decatur County Georgia | 1 | $ 178,000 | $ 178,000 | $ 155,000 |
| Dougherty County Georgia | 1 | $ 33,000 | $ 33,000 | $ 162,000 |
| Lumpkin County Georgia | 1 | $ 50,000 | $ 50,000 | $ 79,000 |
| DuPage County Illinois | 1 | $ 182,000 | $ 182,000 | $ 82,000 |
| Rock Island County Illinois | 1 | $ 50,000 | $ 50,000 | $ 111,000 |
| Winnebago County Illinois | 1 | $ 375,000 | $ 375,000 | $ 102,000 |
| Buena Vista County Iowa | 1 | $ 39,000 | $ 39,000 | $ 48,000 |
| Polk County Iowa | 1 | $ 200,000 | $ 200,000 | $ 145,000 |
| Pottawattamie County Iowa | 1 | $ 97,000 | $ 97,000 | $ 53,000 |
| Allen County Kansas | 1 | $ 40,000 | $ 40,000 | $ 40,000 |
| Chautauqua County Kansas | 1 | $ 10,000 | $ 10,000 | $ 25,000 |
| Lyon County Kansas | 1 | $ 68,000 | $ 68,000 | $ 31,000 |
| Osage County Kansas | 1 | $ 92,000 | $ 92,000 | $ 33,000 |
| Pottawatomie County Kansas | 1 | $ 30,000 | $ 30,000 | $ 81,000 |
| Republic County Kansas | 1 | $ 15,000 | $ 15,000 | $ 107,000 |
| McLean County Kentucky | 1 | $ 15,000 | $ 15,000 | $ 34,000 |
| St. Tammany County Louisiana | 1 | $ 225,000 | $ 225,000 | $ 164,000 |
| Hampden County Massachusetts | 1 | $ 50,000 | $ 50,000 | $ 192,000 |
| Oakland County Michigan | 1 | $ 403,000 | $ 403,000 | $ 170,000 |
| Attala County Mississippi | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Hinds County Mississippi | 1 | $ 175,000 | $ 175,000 | $ 91,000 |
| Rankin County Mississippi | 1 | $ 150,000 | $ 150,000 | $ 84,000 |
| Simpson County Mississippi | 1 | $ 280,000 | $ 280,000 | $ 184,000 |
| Benton County Missouri | 1 | $ 81,000 | $ 81,000 | $ 47,000 |
| Jasper County Missouri | 1 | $ 50,000 | $ 50,000 | $ 49,000 |
| McDonald County Missouri | 1 | $ 114,000 | $ 114,000 | $ 86,000 |
| Stoddard County Missouri | 1 | $ 30,000 | $ 30,000 | $ 42,000 |
| Hall County Nebraska | 1 | $ 162,000 | $ 162,000 | $ 145,000 |
| Dona Ana County New Mexico | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
| San Juan County New Mexico | 1 | $ 212,000 | $ 212,000 | $ 47,000 |
| Davie County North Carolina | 1 | $ 142,000 | $ 142,000 | $ 76,000 |
| Mecklenburg County North Carolina | 1 | $ 10,000 | $ 10,000 | $ 41,000 |
| Wake County North Carolina | 1 | $ 99,000 | $ 99,000 | $ 1,136,000 |
| Bryan County Oklahoma | 1 | $ 205,000 | $ 205,000 | $ 121,000 |
| Canadian County Oklahoma | 1 | $ 168,000 | $ 168,000 | $ 91,000 |
| Cleveland County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 150,000 |
| Craig County Oklahoma | 1 | $ 68,000 | $ 68,000 | $ 36,000 |
| Custer County Oklahoma | 1 | $ 133,000 | $ 133,000 | $ 79,000 |
| Le Flore County Oklahoma | 1 | $ 37,000 | $ 37,000 | $ 56,000 |
| Logan County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 55,000 |
| McCurtain County Oklahoma | 1 | $ 56,000 | $ 56,000 | $ 60,000 |
| Pushmataha County Oklahoma | 1 | $ 90,000 | $ 90,000 | $ 66,000 |
| Seminole County Oklahoma | 1 | $ 184,000 | $ 184,000 | $ 108,000 |
| Lane County Oregon | 1 | $ 400,000 | $ 400,000 | $ 106,000 |
| Anderson County South Carolina | 1 | $ 76,000 | $ 76,000 | $ 111,000 |
| Spartanburg County South Carolina | 1 | $ 46,000 | $ 46,000 | $ 115,000 |
| Bedford County Tennessee | 1 | $ 210,000 | $ 210,000 | $ 168,000 |
| Andrews County Texas | 1 | $ 190,000 | $ 190,000 | $ 72,000 |
| Bexar County Texas | 1 | $ 114,000 | $ 114,000 | $ 431,000 |
| Brazos County Texas | 1 | $ 164,000 | $ 164,000 | $ 80,000 |
| Chambers County Texas | 1 | $ 154,000 | $ 154,000 | $ 138,000 |
| Dallas County Texas | 1 | $ 222,000 | $ 222,000 | $ 145,000 |
| Galveston County Texas | 1 | $ 56,000 | $ 56,000 | $ 225,000 |
| Grimes County Texas | 1 | $ 1,500,000 | $ 1,500,000 | $ 543,000 |
| Hardeman County Texas | 1 | $ 68,000 | $ 68,000 | $ 74,000 |
| Hays County Texas | 1 | $ 297,000 | $ 297,000 | $ 135,000 |
| Midland County Texas | 1 | $ 147,000 | $ 147,000 | $ 68,000 |
| Nacogdoches County Texas | 1 | $ 124,000 | $ 124,000 | $ 64,000 |
| Polk County Texas | 1 | $ 85,000 | $ 85,000 | $ 186,000 |
| Randall County Texas | 1 | $ 204,000 | $ 204,000 | $ 111,000 |
| Smith County Texas | 1 | $ 153,000 | $ 153,000 | $ 99,000 |
| Tarrant County Texas | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Travis County Texas | 1 | $ 75,000 | $ 75,000 | $ 116,000 |
| Webb County Texas | 1 | $ 225,000 | $ 225,000 | $ 96,000 |
| Chesterfield County Virginia | 1 | $ 145,000 | $ 145,000 | $ 69,000 |
| Prince William County Virginia | 1 | $ 69,000 | $ 69,000 | $ 151,000 |
| Greenbrier County West Virginia | 1 | $ 300,000 | $ 300,000 | $ 138,000 |
Mortgage Loan Application Detail Totals for Truity Federal Credit Union in 2007
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 648 | $93,569,000 | $144,000 | $1,500,000 | $79,000 | $564,000 |
| Refinancing | 327 | $33,072,000 | $101,000 | $2,610,000 | $93,000 | $1,136,000 |
| Home Improvement | 45 | $2,561,000 | $56,000 | $226,000 | $73,000 | $192,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 756 | $102,490,000 | $135,000 | $2,610,000 | $83,000 | $1,007,000 |
| Not Provided | 136 | $12,312,000 | $90,000 | $417,000 | $86,000 | $430,000 |
| Hispanic | 41 | $3,935,000 | $95,000 | $235,000 | $67,000 | $431,000 |
| American Indian or Alaskan Native | 40 | $4,241,000 | $106,000 | $350,000 | $71,000 | $298,000 |
| Black or African American | 33 | $3,425,000 | $103,000 | $260,000 | $95,000 | $1,136,000 |
| Asian | 12 | $2,443,000 | $203,000 | $900,000 | $151,000 | $564,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $356,000 | $178,000 | $285,000 | $100,000 | $167,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,020 | $129,202,000 | $126,000 | $2,610,000 | $83,000 | $1,136,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 606 | $86,345,000 | $142,000 | $2,610,000 | $99,000 | $1,007,000 |
| Application Denied By Financial Institution | 368 | $37,971,000 | $103,000 | $380,000 | $54,000 | $352,000 |
| Application Withdrawn By Applicant | 44 | $4,662,000 | $105,000 | $403,000 | $112,000 | $1,136,000 |
| Application Approved But Not Accepted | 2 | $224,000 | $112,000 | $154,000 | $49,000 | $64,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 232 | $22,227,000 | $95,000 | $315,000 | $59,000 | $352,000 |
| Debt-To-Income Ratio | 116 | $13,846,000 | $119,000 | $305,000 | $46,000 | $154,000 |
| Collateral | 6 | $433,000 | $72,000 | $127,000 | $59,000 | $104,000 |
| Unverifiable Information | 6 | $652,000 | $108,000 | $380,000 | $48,000 | $229,000 |
| Other | 3 | $194,000 | $64,000 | $81,000 | $50,000 | $70,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $199,000 | $99,000 | $120,000 | $39,000 | $44,000 |
| Credit Application Incomplete | 2 | $370,000 | $185,000 | $200,000 | $49,000 | $50,000 |
| Employment History | 1 | $50,000 | $50,000 | $50,000 | $40,000 | $40,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Truity Federal Credit Union's 2007 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Truity Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Oklahoma, download the full spreadsheet
with aggregated HMDA statistics today.